An Empirical Evaluation of the Effects of Gender Differences and Self-Efficacy in the Adoption of E-Banking in Nigeria:
A Modified Technology Acceptance Model

Ayo, C. K. and Ekong, U. O. and Ifinedo, P. and Oni, Aderonke A
(2012)
An Empirical Evaluation of the Effects of Gender Differences and Self-Efficacy in the Adoption of E-Banking in Nigeria:
A Modified Technology Acceptance Model.
In:
Leveraging Developing Economies with the Use of Information Technology: Trends and Tools.
IGI Global.

Abstract

The issues of gender disparity in the usage of information technology (IT), as well as self-efficacy, have
received considerable interest and attention among researchers in recent times. Prior research has
identified that gender differences and self-efficiency affect the attitude towards adoption and use of technology.
In general, females are believed to be disadvantaged compared to their male counterparts with
respect to IT usage and acceptance. The reasoning is that males are mostly more exposed to technology
and tend to have more proficiency with such tools. Very little information exists in the extant literature
regarding perceptions in developing parts of the world, including Africa. In this chapter, an empirical
evaluation of the issues in the context of e-banking will be made in Lagos (Nigeria) and its environs.
An extended Technology Acceptance Model (TAM) will be used as a conceptual framework to guide the
discourse. Data analysis was done on SPSS 15.0. The study’s results showed that gender differences
moderated the acceptance of e-banking of users in the research context. Namely, computer self efficacy
and perceived ease of use were of concerns to females, but less so for their male counterparts. Also,
perceived usefulness of e-banking is discovered to be the most influencing factor for male users. The
study’s implications for research and practice are discussed in the chapter.